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    • Ub40fan
    • By Ub40fan 19th Apr 17, 1:43 AM
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    Ub40fan
    Old catalogue bill 10 yrs old
    • #1
    • 19th Apr 17, 1:43 AM
    Old catalogue bill 10 yrs old 19th Apr 17 at 1:43 AM
    Hi i have received a letter from a solicitor acting on behalf of Arrow Global saying i owe £297.19 i remember having a account with additions direct mail order but im sure i paid it off this account was over 10 years ago they say that Arrow has obtained A CCJ out against me and i must pay the amount owed with the letter came a form for me to fill out saying what i earn etc and if fill this out i may have the opportunity for me to discharge my liability through a short settlement payment
    please help as this is something i dont need after having lost my partner and mother in the last year

    many thanks
Page 1
    • StopIt
    • By StopIt 19th Apr 17, 10:14 AM
    • 879 Posts
    • 811 Thanks
    StopIt
    • #2
    • 19th Apr 17, 10:14 AM
    • #2
    • 19th Apr 17, 10:14 AM
    If they have a CCJ, you'd need to pay £255 for a set-aside with the court and contest the debt as statute barred/invalid.


    When was the CCJ obtained? Alas unless if you can 1000% prove you've paid the debt then aside from the set aside, these guys aren't going to care whether you think you've paid or not, harsh at that sounds.


    If it's still within 30 days of the CCJ it may be worth taking that settlement, as it means the CCJ wont appear on your credit files and if the debt defaulted over 6 years ago that wont be there either.


    I know it's not an ideal situation, especially if the debt isn't valid, but if you can take the hit and get it out of the way, it may be best to take this one on the chin, unless if you can get the £255 fee waived (Which is an option in certain circumstances and there's better people than me who know the system and can explain this!)
    • sourcrates
    • By sourcrates 19th Apr 17, 11:43 AM
    • 11,954 Posts
    • 11,444 Thanks
    sourcrates
    • #3
    • 19th Apr 17, 11:43 AM
    • #3
    • 19th Apr 17, 11:43 AM
    The set aside fee is almost as much as the debt itself, the easiest and cheapest way to deal with it would be to make Arrow an offer to make it go away.

    However there are some things you can do first, send Arrow the "provit" letter (available from the stickies at the top of this forum) see what they come back with, ideally you need to know when the CCJ was obtained, if it was within the last 6 years, then your best option is what i said at the beginning, if its more than 6 years ago, then they would need to go back to court and obtain permission to carry on enforcing the judgement, which they would be unlikely to get.

    The courts usually think 6 years is sufficient time to enforce a judgement debt, so thats what you need to find out first.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • StopIt
    • By StopIt 19th Apr 17, 12:48 PM
    • 879 Posts
    • 811 Thanks
    StopIt
    • #4
    • 19th Apr 17, 12:48 PM
    • #4
    • 19th Apr 17, 12:48 PM
    The set aside fee is almost as much as the debt itself, the easiest and cheapest way to deal with it would be to make Arrow an offer to make it go away.

    However there are some things you can do first, send Arrow the "provit" letter (available from the stickies at the top of this forum) see what they come back with, ideally you need to know when the CCJ was obtained, if it was within the last 6 years, then your best option is what i said at the beginning, if its more than 6 years ago, then they would need to go back to court and obtain permission to carry on enforcing the judgement, which they would be unlikely to get.

    The courts usually think 6 years is sufficient time to enforce a judgement debt, so thats what you need to find out first.
    Originally posted by sourcrates

    Correct me if I'm wrong but they don't need to prove anything after a CCJ is granted as that supersedes that requirement? A prove-it would have been usable before a CCJ was granted of course and a CCJ is now enforceable so I don't think they'll go back and say "Ah, our bad you don't owe this". I think this would be a very recent CCJ, hence the offer to settle and presumable wipe the CCJ from his records.
    • sourcrates
    • By sourcrates 19th Apr 17, 2:22 PM
    • 11,954 Posts
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    sourcrates
    • #5
    • 19th Apr 17, 2:22 PM
    • #5
    • 19th Apr 17, 2:22 PM
    Correct me if I'm wrong but they don't need to prove anything after a CCJ is granted as that supersedes that requirement? A prove-it would have been usable before a CCJ was granted of course and a CCJ is now enforceable so I don't think they'll go back and say "Ah, our bad you don't owe this". I think this would be a very recent CCJ, hence the offer to settle and presumable wipe the CCJ from his records.
    Originally posted by StopIt
    Sorry, didn't make it clear in my last post.

    The OP should edit the letter to get the information about the CCJ, when and where it was granted etc.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • StopIt
    • By StopIt 19th Apr 17, 2:42 PM
    • 879 Posts
    • 811 Thanks
    StopIt
    • #6
    • 19th Apr 17, 2:42 PM
    • #6
    • 19th Apr 17, 2:42 PM
    Sorry, didn't make it clear in my last post.

    The OP should edit the letter to get the information about the CCJ, when and where it was granted etc.
    Originally posted by sourcrates

    Understood!


    I'd have hoped the letters he has received already state when the CCJ was granted, but we all know what these companies are like!
  • National Debtline
    • #7
    • 19th Apr 17, 2:49 PM
    • #7
    • 19th Apr 17, 2:49 PM
    Hi Ub40fan


    Good advice above. I would add though that you shouldn't take it for granted that a CCJ has been obtained, as so far it seems that all you have is the solicitor's word for it - check your credit report first of all to confirm whether this is the case. Details of how to do so can be found in our credit referencing fact sheet:


    https://www.nationaldebtline.org/EW/factsheets/Pages/credit-referencing/credit-reports.aspx


    Once that is clear you'll be better placed to know how to proceed.


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • fatbelly
    • By fatbelly 19th Apr 17, 8:47 PM
    • 11,232 Posts
    • 8,398 Thanks
    fatbelly
    • #8
    • 19th Apr 17, 8:47 PM
    • #8
    • 19th Apr 17, 8:47 PM
    Hi i have received a letter from a solicitor acting on behalf of Arrow Global saying i owe £297.19 i remember having a account with additions direct mail order but im sure i paid it off this account was over 10 years ago they say that Arrow has obtained A CCJ out against me and i must pay the amount owed with the letter came a form for me to fill out saying what i earn etc and if fill this out i may have the opportunity for me to discharge my liability through a short settlement payment
    please help as this is something i dont need after having lost my partner and mother in the last year

    many thanks
    Originally posted by Ub40fan
    That would be unusual - to get a ccj against someone and then offer to settle at a discount. Particularly at such a small balance.

    Something odd here.
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